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Digital Euro: Opportunities, Challenges and Strategic Implications

Payment innovation

PaymentGenes Consultancy

Feb 09, 2026

Whitepapers

The whitepaper explores why the digital euro is set to reshape the payments landscape. Key themes include the preservation of monetary sovereignty, reduction of acceptance costs, acceleration of innovation, and the importance of consumer trust. The ECB’s objectives—resilience, inclusion, privacy, and financial stability—are examined in detail, alongside critical design choices still under discussion. These include offline payment limits, coexistence with stablecoins and tokenised deposits, intermediary roles, and cross-border interoperability.

A central feature of the report is its outline of four potential future models for the digital euro: Open Ecosystem, Public Utility, Specialised Use, and Regulatory Minimum. Each scenario carries distinct implications for banks, payment service providers, and merchants, highlighting the need for organisations to prepare for a range of possible outcomes.

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